Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$34,917Cash toward the purchase price.
Closing costs + prepaids$12,021Not just lender fees.
Before credits & paid funds$46,938The complete starting cash picture.
Estimated remaining funds due at closing
$46,938No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$34,916.92
Your down payment$34,916.92
Closing costs + prepaids$12,021.16
Total buyer cash needed$46,938.08
Remaining funds due$46,938.08
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$763.00
Credit report$200.00
Tax service$80.00
UMe assumption specialist (1%)$3,180.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,415.42
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$795.00
Initial HOA (3 months)$39.99
Prepaid interest, first (25 days)$1,372.76
Fees + prepaids$12,021.16
Your down payment is the seller’s equity. You take over the $283,083 balance, so the rest of the $318,000 price is paid at closing. A second mortgage can cover part of it. $46,938.08 is due at closing. Uses and sources reconcile at $330,021.16 each. Not a Closing Disclosure.